Data Dictionary: Census 2000
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Survey: Census 2000
Data Source: U.S. Census Bureau
Table: H90. Mortgage Status And Selected Monthly Owner Costs For Specified Owner-Occupied Housing Units [32]
Universe: Specified owner-occupied housing units
Table Details
H90. Mortgage Status And Selected Monthly Owner Costs For Specified Owner-Occupied Housing Units
Universe: Specified owner-occupied housing units
Variable Label
H090001
H090002
H090003
H090004
H090005
H090006
H090007
H090008
H090009
H090010
H090011
H090012
H090013
H090014
H090015
H090016
H090017
H090018
H090019
H090020
H090021
H090022
H090023
H090024
H090025
H090026
H090027
H090028
H090029
H090030
H090031
H090032
Relevant Documentation:
Excerpt from: Social Explorer, U.S. Census Bureau; 2000 Census of Population and Housing, Summary File 3: Technical Documentation, 2002.
 
Mortgage Status
The data on mortgage status were obtained from answers to long-form questionnaire Items 47a and 48a, which were asked on a sample basis at owner-occupied housing units. "Mortgage" refers to all forms of debt where the property is pledged as security for repayment of the debt, including deeds of trust; trust deeds; contracts to purchase; land contracts; junior mortgages; and home equity loans.

A mortgage is considered a first mortgage if it has prior claim over any other mortgage or if it is the only mortgage on the property. All other mortgages, (second, third, etc.) are considered junior mortgages. A home equity loan is generally a junior mortgage. If no first mortgage is reported, but a junior mortgage or home equity loan is reported, then the loan is considered a first mortgage.

In most census data products, the tabulations for "Selected Monthly Owner Costs" and "Selected Monthly Owner Costs as a Percentage of Household Income in 1999" usually are shown separately for units "with a mortgage" and for units "not mortgaged." The category "not mortgaged" is comprised of housing units owned free and clear of debt.

Comparability
A question on mortgage status was included in the 1940 and 1950 censuses, but not in the 1960 and 1970 censuses. The item was reinstated in 1980 along with a separate question dealing with the existence of second or junior mortgages. In 1990, the mortgage status questions were asked of 1-family, owner-occupied housing units; mobile homes; and condominiums. In 1990, the answer categories for the second and junior mortgage question did not distinguish between a second mortgage and a home equity loan.

In Census 2000, the questions were asked at all owner-occupied housing units. In addition, the answer categories distinguished between a second mortgage and a home equity loan.

Excerpt from: Social Explorer, U.S. Census Bureau; 2000 Census of Population and Housing, Summary File 3: Technical Documentation, 2002.
 
Selected Monthly Owner Costs
The data on selected monthly owner costs were obtained from answers to long-form questionnaire Items 45a-d, 47b, 48b, 49, 50, 52, and 53b, which were asked on a sample basis at owner-occupied housing units. Selected monthly owner costs are the sum of payments for mortgages, deeds of trust, contracts to purchase, or similar debts on the property (including payments for the first mortgage, second mortgage, home equity loans, and other junior mortgages); real estate taxes; fire, hazard, and flood insurance on the property; utilities (electricity, gas, and water and sewer); and fuels (oil, coal, kerosene, wood, etc.). It also includes, where appropriate, the monthly condominium fees or mobile home costs (installment loan payments, personal property taxes, site rent, registration fees, and license fees). Selected monthly owner costs were tabulated separately for all owner-occupied units, specified owner-occupied units, and owner-occupied mobile homes and, usually, are shown separately for units "with a mortgage" and for units "not mortgaged."

Specified owner-occupied housing units
Specified owner-occupied units include only 1-family houses on less than 10 acres without a business or medical office on the property. The data for "specified units" exclude mobile homes, houses with a business or medical office, houses on 10 or more acres, and housing units in multiunit buildings.

Median selected monthly owner costs
This measure divides the selected monthly owner costs distribution into two equal parts, one-half of the cases falling below the median selected monthly owner costs and one-half above the median. Medians are shown separately for units "with a mortgage" and for units "not mortgaged." Median selected monthly owner costs are computed on the basis of a standard distribution (see the "Standard Distributions" section under "Derived Measures"). Median selected monthly owner costs are rounded to the nearest whole dollar. (For more information on medians, see "Derived Measures".)

Aggregate selected monthly owner costs
Aggregate selected monthly owner costs are calculated by adding together all the selected monthly owner costs for occupied housing units in an area. Aggregate selected monthly owner costs are subject to rounding, which means that all cells in a matrix are rounded to the nearest hundred dollars. (For more information, see "Aggregate" under "Derived Measures".)

Comparability
The components of selected monthly owner costs were collected for the first time in 1980. In 1990, the questions related to selected monthly owner costs were asked at 1-family, owner-occupied houses; mobile homes; and condominiums. In Census 2000, the questions related to selected monthly owner costs were asked at all owner-occupied housing units. Question 53a, "Do you have an installment loan or contract on this mobile home?" was added in Census 2000 to determine the existence of installment loans or contracts on mobile home units.

Excerpt from: Social Explorer, U.S. Census Bureau; 2000 Census of Population and Housing, Summary File 3: Technical Documentation, 2002.
 
Specified owner-occupied housing units
Specified owner-occupied units include only 1-family houses on less than 10 acres without a business or medical office on the property. The data for "specified units" exclude mobile homes, houses with a business or medical office, houses on 10 or more acres, and housing units in multiunit buildings.